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Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had their roots in the ancient world. In the history of banking, a number of banking dynasties notably, the Medicis, the Fuggers, the Welsers, the Berenbergs and the Rothschilds have played a central role over many centuries. The oldest existingretail bank is Banca Monte dei Paschi di Siena, while the oldest existing merchant bank is Berenberg Bank. Historyedit. Among many other things, the Code of Hammurabi from 1. BC recorded interest bearing loans. Banking began with the first prototype banks of merchants of the ancient world, which made grain loans to farmers and traders who carried goods between cities and this system is known as barter system. Iv OECS Consulting Services in ICT Pilot Project Proposals May 2002 Annexes Annex 1 Annex01eEuropeBenchmarks. pdf Annex 2 Annex02e government global survey. pdf. This began around 2. BC in Assyria and Babylonia. 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Merchants started to store their gold with the goldsmiths of London, who possessed private vaults, and charged a fee for that service. An automated teller machine, also known in the United States of America as an automatic teller machine ATM, American, British, Australian, Malaysian, South African. IMPORTANT State Bank of India never asks for your user idpasswordpin no. through phone callSMSesemails. Please do not respond to any such phone callSMSesemails. In exchange for each deposit of precious metal, the goldsmiths issued receipts certifying the quantity and purity of the metal they held as a bailee these receipts could not be assigned, only the original depositor could collect the stored goods. Gradually the goldsmiths began to lend the money out on behalf of the depositor, which led to the development of modern banking practices promissory notes which evolved into banknotes were issued for money deposited as a loan to the goldsmith. 5 The goldsmith paid interest on these deposits. Since the promissory notes were payable on demand, and the advances loans to the goldsmiths customers were repayable over a longer time period, this was an early form of fractional reserve banking. The promissory notes developed into an assignable instrument which could circulate as a safe and convenient form of money backed by the goldsmiths promise to pay,6 allowing goldsmiths to advance loans with little risk of default. 7 Thus, the goldsmiths of London became the forerunners of banking by creating new money based on credit. The Bank of England was the first to begin the permanent issue of banknotes, in 1. The Royal Bank of Scotland established the first overdraft facility in 1. By the beginning of the 1. London to allow multiple banks to clear transactions. The Rothschilds pioneered international finance on a large scale, financing the purchase of the Suez canal for the British government. A 6. 40 BC one third staterelectrum coin from Lydia, where gold and silver coins were used for the first time. EtymologyeditThe word bank was borrowed in Middle English from Middle Frenchbanque, from Old Italianbanca, meaning table, from Old High Germanbanc, bank bench, counter. Benches were used as makeshift desks or exchange counters during the Renaissance by Jewish1. Florentine bankers, who used to make their transactions atop desks covered by green tablecloths. 1. DefinitioneditThe definition of a bank varies from country to country. See the relevant country pages under for more information. Under English common law, a banker is defined as a person who carries on the business of banking, which is specified as 1. In most common law jurisdictions there is a Bills of Exchange Act that codifies the law in relation to negotiable instruments, including cheques, and this Act contains a statutory definition of the term banker banker includes a body of persons, whether incorporated or not, who carry on the business of banking Section 2, Interpretation. Although this definition seems circular, it is actually functional, because it ensures that the legal basis for bank transactions such as cheques does not depend on how the bank is structured or regulated. The business of banking is in many English common law countries not defined by statute but by common law, the definition above. In other English common law jurisdictions there are statutory definitions of the business of banking or banking business. When looking at these definitions it is important to keep in mind that they are defining the business of banking for the purposes of the legislation, and not necessarily in general. In particular, most of the definitions are from legislation that has the purpose of regulating and supervising banks rather than regulating the actual business of banking. However, in many cases the statutory definition closely mirrors the common law one. Examples of statutory definitions banking business means the business of receiving money on current or deposit account, paying and collecting cheques drawn by or paid in by customers, the making of advances to customers, and includes such other business as the Authority may prescribe for the purposes of this Act Banking Act Singapore, Section 2, Interpretation. banking business means the business of either or both of the following receiving from the general public money on current, deposit, savings or other similar account repayable on demand or within less than 3 months. Since the advent of EFTPOS Electronic Funds Transfer at Point Of Sale, direct credit, direct debit and internet banking, the cheque has lost its primacy in most banking systems as a payment instrument. This has led legal theorists to suggest that the cheque based definition should be broadened to include financial institutions that conduct current accounts for customers and enable customers to pay and be paid by third parties, even if they do not pay and collect cheques. 1. Standard businesseditBanks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers in the bank, and collecting cheques deposited to customers current accounts. 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